Reasons small investors turning towards mutual funds

Reasons small investors turning towards mutual funds

A lot of modern investors are getting interested in mutual funds. Mutual fund services offer cheap and easy means to get good returns. It is good to understand mutual funds before trying to invest in them. This will help you gain confidence in your investment strategies. An investment consultant can assist you to achieve your desired financial target by increasing the returns and lowering the risk factor. Currently, mutual funds offer one of the best ways to earn good returns.

  1. The power to invest in small amounts

A very useful feature of mutual funds is that it allows investors to invest in small amounts that can be as little as Rs. 500 every month. This is essential for a small investor. You do not have to wait till you have enough money so that you can buy stocks. Also, you do not have to invest in multiple stock prices. You can invest in any amount that you find easy for you. Thus, a SIP in mutual funds will allow investors to make the most out of the available cash and get the highest possible returns.

  1. Options for all types of investors

Mutual funds offer a significant tool for every type of investor. There are more than 2000 mutual fund services active at present. With so many options, investors can match their investment horizons and fulfill their financial goals, based on their risk appetite. If you do not want to take risks, you can opt for debt funds. People looking to take moderate risks can choose a hybrid or balanced funds.

  1. Creating a diversified portfolio

A mutual fund will mostly invest in either equity or debt. The benefit of investing in a mutual fund is that the investor would get exposure to different shares and fixed income instruments. If you want to invest Rs. 2000 in stocks directly, you might be able to buy 3-4 shares of a company. You might even be able to buy 1-2 shares of multiple companies. However, if you are investing in mutual funds, you would be getting a basket of different stocks at the same price.

  1. Highly liquid

Mutual funds offer a high liquidity factor, which is why a lot of small investors get attracted to them. If you invest in mutual funds, you would be able to purchase and sell the units, as required. You can start or stop a SIP on your wish. You can even redeem the money if you feel that the funds are not performing as you would like them to or your goal has been achieved.

  1. Mutual funds are cost-efficient

Investing in a mutual fund is cost-effective. If an investor is planning to invest directly in equity, there might be costs like Securities Transaction Tax and brokerage fees. if there are many transactions, the costs will be higher. All these costs will be negated in mutual funds as the fund managers will be doing bulk transactions. Thus, mutual fund services are much more cost-effective.

These are the reasons why so many small investors look towards investing in mutual funds.

Plagiarism Checker for Education: How Does it Help Detect Duplicate Content?

Plagiarism checker for professors can help teachers and professors access vast-array of the information database when it comes to picking plagiarists and the same reports they have submitted. A plagiarism checker is an efficient tool that helps students to understand citing references and their importance. Your content ought to be genuine at all costs. In case your site happens to include duplicate content, your entire site ranking can be at stake apart from your self-integrity as a student.

 Duplicate content can force Google to penalise you by lowering your page rank and or removing your web page from its searches.

Duplicate Content and How Is It Defined?

The content that you can find on various websites is defined as duplicate content. Duplicate content happens when you publish your online writing in more than one place. When you copy-paste someone else’s writing on your site and or when they publish your content on their site, that is when duplicate content occurs. When the content looks too similar, the search engines find it difficult to decide which content has better relevance with the query posted.

The primary agenda of search engines is to render the best results possible to the users when they are looking for a specific term. Google and any other search engines can remove duplicate content from their search engine.

Using Plagiarism Checker to Detect Duplicate Content

Just by copying your content on the page and pasting it in the text area of the anti-plagiarism checker, you can easily check for plagiarism and fix the issues. When you test for your website’s page and its file formats, and only when your webpage appears with no results then your content has no plagiarism. However, if you see other websites showing up along with your site, then the grammar check suggests that the result that shows up first is the original source. In case the first site to appear isn’t your student’s, then they might have a duplicate issue that needs to be fixed immediately.

How Do Tools Help in Finding Duplicate Content?

  • When your student is writing content, they might unintentionally fall prey to accidental plagiarism. Hence, it is always a good idea to conduct a deep search on everything you write before post. And the best news? A lot of tools can be used without paying a penny.
  • The plagiarism checker quickly helps to compare the text against the published contents within a few seconds. The comparison tools will outline the content that pops up as duplicate and it would help you to understand the percentage of plagiarism.
  • The plagiarism detection software can find out the duplicate pages of content across the web. The plagiarism checkers tools conduct a grammar check. It helps teachers and students to find our plagiarists who use our work and pass it off as their own. You can check through the URLs automatically weekly.

Online plagiarism checkers can check for the authenticity of the site. It can highlight the parts of content that appear as duplicate and it will help you to understand what amount of content is similar to your previously posted content.

Difference Between GAAP and IFRS Certification

Accounting is considered to be the business language in modern-day operations. With rightful accounting, a company will be able to maintain subtle financial health and improve its potential over time. Moreover, accounting experts within a company will help the business earn profit in new investment opportunities. 

There are two standards being followed by the companies to record transactions and create financial reports. The standards are IFRS and GAAP. Both have their own significance and importance, and this article intends to explain to you the difference to help you understand why people are preferring IFRS certification course. 

Know about GAAP and IFRS

Accounting standards are pretty much important for any company to narrate financial information. It helps them prepare statements with accuracy to compare them and utilize them for the betterment of organization. The two sets of business acceptable finance standards are GAAP and IFRS. 

GAAP (Generally Accepted Accounting Principles) is also known as US GAAP, and is a set of guidelines imposed by FASB (Financial Accounting Standards Board). It is mostly followed by major companies in the US. IFRS (International Financial Reporting Standards), on the other hand, are principles that are dictated by IASB (International Accounting Standards Board). These reporting standards are followed not just in the US but also in many countries and companies outside of US and all over the world. 

Deciding the type of acceptable standards, depends upon your company. If your company operates only in the US, then it might use GAAP, but if it operates internationally, then IFRS is the feasible option. Moreover, the IFRS course duration is also less, that allows individuals to take up this certification and join proficient companies internationally.

Differences Between IFRS and GAAP

To help you understand the difference between GAAP and IFRS, here are some of the focused distinguishing factors:

  1. Balance Sheet- The balance sheet of GAAP is different than that of IFRS. GAAP sheets have their current assets listed primarily first, whereas the IFRS sheets begin with non-current assets. 
  2. Cash Flow Statement- The cash flow statement prepared within the companies is different for GAAP & IFRS. The major differences are observed on dividends and interest classification. IFRS allows the companies to choose their own interest classifying policies, whereas GAAP prescribes that interest received and paid are classified to be the operating activities. 
  3. Asset Revaluation- GAAP doesn’t allow writing back an asset value after it has been impaired. But, IFRS permits this facility of revaluation of certain assets to the original cost with a scope of adjustment for depreciation. 
  4. Inventory Valuation Methods- GAAP & IFRA vary in their inventory valuation handling aspects as well. FIFO, LIFO & Weighted Inventory, are three methods using which the companies value their inventory. GAAP in US permits all of these inventory valuation methods, but IFRS allows only weighted inventory and FIFO methods for the purpose, and not LIFO. 

Conclusion

These are few of the things that explains the difference between GAAP and IFRS standards. You just need to ensure that your company is following the right reporting standards that meets the company’s requirements and norms. Financial statements are inevitable necessities of a company, that gives insight into the company’s performance. And, therefore, it is important for companies to decide on their acceptable standard. Individuals are also turning up for IFRS certification course to seek high paying job roles. 

How To Choose The Best IVF Centre?

If you are looking to take a step ahead towards your dream of being a parent and are troubled by fertility issues, you are probably looking into various fertility treatment options like IVF. Along with understanding the treatment and what to expect from it, it is also important to indulge in some research about what kind of IVF centre would be the best for you.

While there are fertility clinics or hospitals that will offer an array of treatments, the popularity of in vitro fertilisation has also given rise to centres that specialise in IVF. Between doing ample research about IVF as a fertility treatment option and opting for an IVF pregnancy, it is advisable to take some time to look into how to choose the best IVF clinic for you.

How to Select the Right IVF Centre?

Choosing IVF pregnancy is an exciting step. While taking it, one looks forward to the joy that it may bring into their future. You may have certain expectations about how you would want your IVF centre of choice to be. Some of the common concerns are the whether it fulfils your expectations, your comfort levels, and more.

What other aspects should you consider when choosing an IVF clinic for your fertility clinic? Here are some guidelines that will help you when making the choice.

Success Rate

When choosing a clinic, understanding their proficiency at what they do is important. This is well reflected through their success rate. As you would talk to the alumni when joining an educational institution, look for testimonials from their previous patients. If the centre you are considering is relatively new, consider the experience of the doctors and that of their patients.

Financial Accessibility

The basic spending on a fertility treatment like IVF could be close to Rs. 1,00,000. However, this differs from place to place. The best fertility clinic in Bangalore will not offer the same rates as one in Delhi, or the cost one incurs in Asansol may not be the same as that seen in Amritsar. Wherever you are, enquire about the average cost of one complete IVF cycle and remember that a single cycle may not be enough to achieve desired results. Sorting out financial constraints before you commit to the treatment leaves you stress-free for the procedure.

Health Insurance

When short-listing IVF centres suitable to you, remember to check for your health insurance. Inquire if the full or partial cost of the process you are considering, at the centre you are considering, is covered. Usually, a hospital should be able to confirm these details for you. However, do not hesitate to reach out to your insurance provider as well.

Accessibility

Fertility procedures are arguably life changing. Not only will you be experiencing physical changes, your emotions may also be heightened at the time. While not every aspect can be brought under control, preparing as well as you can only serves you well in the future. Having a clinic closer to you and accessible is always a plus. Furthermore, try to determine if you are comfortable with their virtual accessibility by how they answer questions or quell your doubts, inform you about their services, and generally treat patients.

These are some of the fundamental factors that you can consider when choosing a fertility treatment centre. Along with this, ensure that you are comfortable with what you are choosing and are fully prepared to undergo this course.

5 Common Mistakes to Avoid While Investing in ELSS

Investing in ELSS funds or Equity Linked Saving Schemes is simple and productive. They offer a short lock-in period, and capital appreciation to reach your financial goals. The investment process is hassle-free. In fact, they offer twin benefits of tax-saving and inflation hedge. Given these countless benefits, an ELSS fund is one of the most popular and preferred investment choices of Indians.

However, there are a few common mistakes that can ruin your efforts. So, have a look at the pitfalls to avoid haphazard or incorrect investment.

Mistake #1: Exiting After 3-Years

The minimum tenure to park your money ends at 3 years. But try not to redeem immediately. This is especially important if the funds are performing well. Stay invested for at least 5-7 years to maximise your returns. You can wait for a longer time if the fund performance continues to beat the benchmark. However, this is solely your decision.

Mistake #2: Avoid Investment in Too Many Funds

ELSS funds have their merits. But too many of them are more damaging than beneficial. You have to constantly keep a track of the indices, be aware of competition and performance and revise the portfolio. These acts are quite tedious. So, try not invest in too many funds across 7-8 AMCs.

Mistake #3: Avoid Last-Minute Investment

This can force you to invest a lump sum amount in the equity-linked saving schemes. So, don’t wait till the far end of March. You might face a cash crunch and not make the most out of the SIP approach. For example, investors can miss out on the rupee cost averaging. Try to plan the activity with a specific goal in mind and research funds well. This will also give you sufficient time to ensure investment is in the right fund.

Mistake #4: Not Using a Calculator  

Consider a SIP return calculator. Otherwise, you might not be able to figure out the maturity amount. In simple terms, it can keep you from understanding the value of the cumulative investment amount over a period of time. Know the expected rate of return to align requirements and investments without hassle. You can also calculate any additional amounts to be invested, to tick off the financial goals.

Mistake #5: Going Beyond Risk Appetite

ELSS is one of the most beneficial investment options. But, try not to cross your risk appetite boundary.  Otherwise, you might not be able to handle market volatility or returns are less likely to turn out as expected. Measure your capabilities by knowing how much loss you can tolerate and work on your goals. Remember that ELSS mutual funds have large, medium and small-cap funds. The risks and returns of each of them differ.

If you have higher risk tolerance, you can consider making risky investment decisions.

ELSS has surpassed FDs to become a popular investment choice. Learn about the implications of participation in the schemes in details. Rest assured; you will be able to make the most of your efforts in the long run.

Three under constructions projects in Pune you will love

In the last few years, Pune has seen a growth in the IT industry, the presence of well-known educational institutions and the availability of healthcare facilities which has risen its population exponentially. When you move into a new city, as a reflex you start embracing the city life, its vibe and the lifestyle. Even within a city as large as Pune, the way of living differs from one district to another. If you are thinking about moving to the city, it would be a wise decision to review the upcoming residential projects in Pune and the different locations that suit all your needs.

There are several under construction projects in Pune. One of them is the Amanora Park Town project which is located in Hadapsar and occupies about 400 acres of land. It has great connectivity to the Mumbai-Hyderabad highway and boasts of infinite greenery.

Looking for apartments for sale in Pune has never been easier especially with these under construction projects in Pune’s Amanora Park Town:

  • Amanora Adreno Towers are luxury apartments designed especially for adventure seekers. These towers are designed to include 8 thrilling areas for fun: a state-of-the-art clubhouse, designer lobbies at every level and the breath-taking 3-side open design which opens up to a 180° view of fresh open spaces. The world-class amenities these towers offer will amaze you!
    • The Splash Arena: A pulsating experience that allows you to plunge into a rejuvenating encounter like no other.
    • The Sports Arena: An arena designed for the champs so that they can enjoy thrilling games.
    • The Pulse Arena: A once in a lifetime party kind of place that will help have the time of your life with the ones you love and adore.
    • The Fitness Arena: A jogging track along with a gym facility so that you can have a set fitness routine.
    • The Enrichment Arena: With a pool table and a karaoke lounge, the Enrichment Arena is bound to make an evening entertaining after a stressful day at work.
    • The Party Arena: Adreno Towers also has a clubhouse which is perfect for celebrating festivals and organising parties.
    • The Adventure Arena: Among the adventurous challenges that Adreno Towers offers, the rock-climbing set is perfect to spend quality time with your friends and family.
    • The Peace Arena: This residential tower is surrounded by a herbal park, a room dedicated to yoga and aerobics and cabanas that will help you to refresh your mind and energize your soul.
  • Amanora Gateway Towers stands tall and proud at 150 feet. It is one of the tallest high-rises in the city. In addition to premium amenities, it is also one of the first towers to be embellished by Swarovski.
  • Amanora Future Towers transports you to the future of comfort and smart living with Dutch architecture and hexagonal design.

These upcoming residential projects in Pune are a golden opportunity to live a gold standard of living! Visit the website for more information.

Why Post Processing of Hemp Oil is Legally Important?

Post processing is an inseparable part of hemp extraction for more reasons than one. These procedures are geared towards the following objectives:

  • Maximizing the cannabidiol (CBD) content;
  • Retaining terpenes and flavonoids;
  • Minimizing or even eliminating tetrahydrocannabinol (THC); and
  • Removing unwanted elements such as waxes, fats, lipids, and dirt from the extract.

Although the supercritical fluid extraction (SCFE) process that uses a supercritical fluid (SCF) is a targeted procedure that extracts only the required compounds from the raw material (cannabis plant in this case), certain unwanted compounds do get associated with the extracted product.

Cannabis occurs in two types:

  • Hemp with less than 0.3% of THC by dry weight; and
  • Marijuana with 0.3% THC or more by dry weight.

While hemp is being legalized in many countries and regions over the world, marijuana continues to be banned. This is because THC is a psychoactive substance i.e. it gets the user in the excited state. In simple language, it gets the users “high.” And although it provides some medical benefits, a lot many side effects are associated with its use.

Some jurisdictions (countries, states, or regions) may allow cannabis products only if they contain 0% THC. Shipments of cannabis products arriving from a jurisdiction that permits 0.3% THC may get held up at the border. For this reason, many manufacturers choose to eliminate THC completely from their cannabis products. And it is for this reason that post processing is legally important in hemp extraction.

CBD, on the other hand, is not psychoactive. Besides, it is useful in dealing with a host of medical conditions such as:

  • Pain
  • Anxiety and Depression
  • Mental Illness or Psychosis
  • Migraines
  • Inflammation
  • Nausea
  • Seizures
  • Inflammatory Bowel Disease

THC too is a good choice to counter some medical conditions such as:

  • Pain
  • Anxiety
  • Insomnia or Sleeplessness
  • Muscle Spasticity
  • Low Appetite
  • Nausea
  • Glaucoma

Side effects of THC are:

  • Memory Loss
  • Faster Heartbeats
  • Delayed Reflexes
  • Dry Mouth
  • Red Eyes
  • Coordination Issues

SCFE is a better process for hemp extraction because it minimizes post extraction processing by giving largely pure extracts. It uses a supercritical fluid (SCF) – one that has its pressure and temperature above its critical pressure and critical temperature respectively. By carefully regulating pressure, the SCF is made to extract the required compounds at high pressure and precipitate them out at low pressure. Such a pressure difference action ensures that the extracted product is available in its largely pure form.

A Beginner’s Guide to Annuity Plans

An annuity plan is a safe investment. It ensures steady and guaranteed returns and is ideal for retirement planning. The best annuity plans in India are designed in a way to help an individual financially even when they have outlived all their savings. You can purchase a plan at any time. For example, mid-career or when you are nearing retirement.

The premiums are either systematic or in the form of a single lump-sum amount. Policyholders can pick according to their available corpus and current financial condition. Since you are new to annuity plans, here’s a guide that can help you understand how it works. Having a clear idea can help you make an informed choice.

What is Annuity?

An annuity plan is a contract made with an insurance company. Your money is invested in different assets, depending on the annuity type. For example, mutual funds are the most common option. This is called the accumulation phase. Now, the returns generated from the fund is paid back to you as a continuous stream of income.

Types of Annuities

There are multiple types of long-term annuity plans available in India. Each promises assured returns and comes with its own set of benefits.

  • Fixed Annuity Plan: Periodic payments are made on a fixed annuity. There are two types under this scheme:
    • Immediate Annuity Plan is the most basic plan. It starts working immediately after you have purchased it. Withdrawals can begin within a year. This is usually quite helpful for senior citizens.
    • Deferred Annuity Plan is where the pay-out is deferred till a specific period. It can be months or years, depending on the contract.
  • Variable Annuity Plan: Here you can decide where your payment can be invested. The most popular choice is mutual funds. The pay-out will depend on how the funds are performing in the market.
  • Indexed Annuity Plan: This is ideal for anyone who wishes to enjoy the security of fixed-income annuity and the freedom of variable annuity. This plan generally offers high returns when the market is doing well.

Make sure to check out the best bank to purchase your annuity plan. It will ensure security, reliability and flexibility to help you prepare for your retirement years. Use an annuity calculator to know the premiums to be paid to generate a specific income.

Advantages of Annuity Plans

The best annuity plan comes with several benefits to ensure minimum financial worries. The top insurance company will offer a range of options to choose from. Take a look at how you can benefit from these plans:

  • Fixed regular income to meet your daily expenses.
  • You can take your pick from Lifetime Income, Lifetime Income with Capital Refund and Lifetime Income with Capital Refund in Parts.
  • Users can enjoy income tax exemptions as per the applicable income tax laws in India. However, these are subject to change.
  • Different pay-out frequency options are available, like monthly, quarterly, half-yearly and yearly.

Before making a final choice, use an annuity calculator to choose the best annuity plans in India. Further, read the terms and conditions on the website brochure. You can also consult your tax advisor for details.

Investing Through SIP: Here Are the Top Errors to Avoid

A SIP or Systematic Investment Plan offers investors a chance to start early and build a huge corpus for use at a later stage. One of the best ways to create wealth over the long run, SIP mutual fund schemes in India allow even people with lesser funds to participate in the equity markets. While such schemes are highly beneficial, investors make some common mistakes in choosing the right mutual fund or managing their investment.

Common Mistakes to Avoid

Here are some mistakes made by many people that you should consider avoiding when investing in a SIP:

  • Choosing the Wrong Amount: Investments in SIP can be fruitful only when the investors choose the right amount. While a SIP allows one to start with a small amount, it is always better to increase the same with the increase in their salary so that they can build a huge corpus and reap its benefits. Similarly, starting a SIP with a big amount without considering that they will be able to maintain or increase it, in the long run, is not a wise decision. Investors also need to monitor your portfolio closely to decide about changing their contribution to a SIP from time to time.
  • Redeeming Investments in the Short Term: A common mistake made by investors is to redeem their SIP investments after some time if the underlying portfolio does not generate the desired returns.  Investors need to remember that SIP investing works on the rupee cost averaging approach and thus generates good returns over the long run.
  • Choosing the Wrong Fund: SIP investments and their duration should be decided by investors’ financial goals and risk appetite. The use of a SIP investment calculator is recommended to find out the returns that an investor can expect from his investment and compare different plans on this aspect.
  • Stopping SIP Investments: Mutual fund investments via the SIP route tend to generate good returns over the long run. However, some investors become impatient and stop contributing to their SIP because of losses or low returns in the short run.
  • Starting Too Late: The earlier you start investing in a SIP, the better returns you earn because of the compounding effect. An early start means that the returns on your principal amount generate further returns but when you start late, your corpus is less and so are the returns earned on it.
  • Choosing Dividend Plans Over Growth Plans: Many investors tend to choose dividend plans and use up the dividend received in their day-day to expense. What is advisable is to go for growth plans wherein your dividends are automatically reinvested thereby generating higher returns.
  • Investing in Sector and Thematic Funds: Investment in cyclical funds like sector and thematic funds enhances your risk exposure. So, it is always advisable to go for diversified equity funds that invest in not one but several segments.
  • Not Monitoring Your SIP Investments: Since the basic purpose for investing in a SIP is to meet your long-term goals, you should monitor its performance from time to time. This will help you decide whether the SIP is yielding results in line with your goals or not. You should also keep track of changes in the management of your SIP, its policy, and regulatory lapses if any.

Lalbagh Fort: The Famous Mughal Fort Complex of Dhaka

Bangladesh, a stunning country suffused with nature’s bounty, is steadily making its way onto the tourist map. Visitors are drawn to the area’s natural scenic beauty, which includes tea plantations, beautiful beaches, ancient architecture, and, of course, the vast swamp, the world’s largest in scale. In 2018, the emerging financial powerhouse in South Asia received.27 million international tourists, reflecting the growing interest of tourists. Since Dhaka is well connected, many airlines operate flights to Dhaka from major Indian cities for the convenience of visitors.

Not only does Bangladesh have natural beauty, but it also has many architectural marvels from a bygone era that pique the interest of tourists. The Lalbagh fort is one such Mughal-era historical monument. Every year, nearly three million people visit the fort, which is on the tentative list of UNESCO world heritage sites. The exemplary monument is a must-see destination for history buffs and others, so keep reading to learn more about this 17th-century palace.

The Unfinished Mughal Fort: Lalbagh

The fort structure, which is located in Old Dhaka, is the prominent Mughal signature architecture. Mughal governor Muhammad Azam Shah built the monumental building on the banks of the Buriganga River in 1678. However, due to extraordinary incidents, the fort was never completed, and the complex remained unused after the Mughal rule. If you want to see the most famous Mughal period structure in Bangladesh, book Delhi to Dhaka flight today.

In addition to the partly damaged fortification wall, the fort has three main buildings and two gateways in the south and north. Diwan-i-Aam is the only one of the three completed buildings that is open to the public.

Sections of the Fort

The main sections of the fort are:

Pari Bibi Mausoleum

The tomb of Pari Bibi is a decorative and exclusive building in the fort. The complex’s interior is divided into nine chambers, with a tomb in the middle. Internally, the entire structure is decorated with black basalt, white marble, and colourful tiles. The tomb chamber has four entrances, but only the south door, which is decorated with sandalwood, allows access to the room.

Fort Mosque

The mosque is located in the western part of the fort, next to the tomb of Pari Bibi. The three doom mosque’s rectangular form is one of the finest examples of Mughal architecture that is still in use. A water tank is constructed on the mosque’s eastern side.

Diwani-i-Aam

The governor’s residence was a two-story building. The structure includes an audience hall as well as a water tank (hammam). The building is now a museum containing coins, weapons, carpets, paintings, and other Mughal era artefacts.

The South Gate

The South Gate is a three-story structure that is facing the riverfront. The gate entrance is flanked by guardrooms and stairs to the upper floor. After admiring the majestic monument, a tourist can take a direct Dhaka to Delhi flight and return home.

Lalbagh, one of Bangladesh’s must-see attractions, is easily accessible thanks to the area’s extensive road infrastructure. Tourists can visit the complex since it is close to Dhaka International Airport.

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